Vo Lam Hoang Khang; Phan Thi Quynh Nhu; Hoang Thi Yen Nhi; Luu Thi Huynh Nhu; Le Ho Van Phang. FINTECH AND PERSONAL FINANCIAL MANAGEMENT BEHAVIOR IN THE DIGITAL ECONOMY: A CONCEPTUAL ANALYSIS FROM THE VIETNAMESE CONTEXT. JST 2026, 9.